[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fleuron.cz\/co-je-to-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.fleuron.cz\/co-je-to-nebankovni-hypoteka\/","headline":"Co je to nebankovn\u00ed hypot\u00e9ka","name":"Co je to nebankovn\u00ed hypot\u00e9ka","description":"M\u00edt sv\u016fj vlastn\u00ed d\u016fm \u010di byt je snem asi ka\u017ed\u00e9ho \u010dlov\u011bka. Av\u0161ak zejm\u00e9na mlad\u00ed lid\u00e9 maj\u00ed probl\u00e9m si jej splnit,…","datePublished":"2020-01-02","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.fleuron.cz\/author\/#Person","name":"","url":"https:\/\/www.fleuron.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e7b590144558ebad68292226b8af0772e2d53ba82fa105c348ae9b5254e51a11?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e7b590144558ebad68292226b8af0772e2d53ba82fa105c348ae9b5254e51a11?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fleuron.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fleuron.cz\/wp-content\/uploads\/img_a378805_w3001_t1590045102.jpg","url":"https:\/\/www.fleuron.cz\/wp-content\/uploads\/img_a378805_w3001_t1590045102.jpg","height":0,"width":0},"url":"https:\/\/www.fleuron.cz\/co-je-to-nebankovni-hypoteka\/","about":["Ekonomika"],"wordCount":440,"articleBody":"        M\u00edt sv\u016fj vlastn\u00ed d\u016fm \u010di byt je snem asi ka\u017ed\u00e9ho \u010dlov\u011bka. Av\u0161ak zejm\u00e9na mlad\u00ed lid\u00e9 maj\u00ed probl\u00e9m si jej splnit, nebo\u0165, jak v\u0161ichni v\u00edme, nemovitosti nejsou zrovna nejlevn\u011bj\u0161\u00ed. Pokud tedy rodi\u010de \u010di jin\u00ed p\u0159\u00edbuzn\u00ed neza\u010dali \u0161et\u0159it sv\u00fdm d\u011btem ji\u017e p\u0159ed dlouhou dobou, pak je pro n\u011b jedinou mo\u017enost\u00ed hypot\u00e9ka. To obvykle znamen\u00e1 j\u00edt do banky a tam o ni za\u017e\u00e1dat, av\u0161ak v posledn\u00edch letech za\u010d\u00edn\u00e1 b\u00fdt st\u00e1le v\u00edce popul\u00e1rn\u00ed i takzvan\u00e1 nebankovn\u00ed hypot\u00e9ka. O co se jedn\u00e1? Nejprve se poj\u010fme pod\u00edvat trochu do historie. Je\u0161t\u011b v ned\u00e1vn\u00e9 minulosti byly banky jedin\u00e9 instituce, kter\u00e9 m\u011bly pr\u00e1vo ofici\u00e1ln\u011b poskytovat jak\u00e9koliv finan\u010dn\u00ed slu\u017eby. A to se samoz\u0159ejm\u011b t\u00fdkalo i financov\u00e1n\u00ed bydlen\u00ed. Av\u0161ak po roce 1989 se za\u010dalo s privatizac\u00ed prakticky v\u0161ech sektor\u016f, a to v\u010detn\u011b bankovnictv\u00ed a jin\u00fdch finan\u010dn\u00edch slu\u017eeb. To znamenalo, \u017ee je nyn\u00ed mohou nab\u00edzet i soukrom\u00e9 sektory. A to se tak\u00e9 stalo. Netrvalo dlouho a na trhu se objevily prvn\u00ed nebankovn\u00ed p\u016fj\u010dky. Zpo\u010d\u00e1tku \u0161lo pouze o klasickou p\u016fj\u010dku, av\u0161ak jak \u0161el \u010das, i nab\u00eddka t\u011bchto firem se postupn\u011b roz\u0161i\u0159ovala. Brzy zde byly zahrnuty  http:\/\/www.antropoweb.cz\/cs\/svazky-antropoedice-zahrnuty-v-directory-of-open-access-books-doab i hypot\u00e9ky, a v\u011b\u0159te, \u017ee jsou v tomto \u00fasp\u011b\u0161n\u00e9. Oproti bank\u00e1m maj\u00ed \u0159adu v\u00fdhod, vypl\u00fdvaj\u00edc\u00edch hlavn\u011b z toho, \u017ee se nemus\u00ed \u0159\u00eddit tak p\u0159\u00edsn\u00fdmi pravidly, kter\u00e1 z\u00e1kon stanovuje pro banky. To jim umo\u017e\u0148uje nab\u00edzet i produkty, kter\u00e9 banky nemohou. Jsou to nap\u0159\u00edklad p\u016fj\u010dky v\u010detn\u011b hypot\u00e9k bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f \u010di prov\u011b\u0159ov\u00e1n\u00ed v registru dlu\u017en\u00edk\u016f. To jim samoz\u0159ejm\u011b zaji\u0161\u0165uje v\u011bt\u0161\u00ed klientelu, nebo\u0165 na jejich produkty dos\u00e1hne mnohem v\u011bt\u0161\u00ed po\u010det lid\u00ed. Ano, je pravda, \u017ee se jedn\u00e1 p\u0159edev\u0161\u00edm o ty ze slab\u0161\u00edch soci\u00e1ln\u00edch vrstev a s ni\u017e\u0161\u00edm p\u0159\u00edjmem, av\u0161ak firmy maj\u00ed n\u011bkolik zp\u016fsob\u016f, jak zajistit, \u017ee sv\u00e9 pen\u00edze dostanou a jak sn\u00ed\u017eit \u010di alespo\u0148 kompenzovat riziko, kter\u00e9 nab\u00eddkou t\u011bchto produkt\u016f podstupuj\u00ed. To samoz\u0159ejm\u011b p\u0159edstavuje riziko i pro klienty. Proto pokud o takov\u00e9mto typu p\u016fj\u010dky zva\u017eujete, dob\u0159e si nejprve p\u0159ed podpisem prostudujte smlouvu i v\u0161echny ostatn\u00ed podklady. Zabr\u00e1n\u00edte tak pozd\u011bj\u0161\u00edm probl\u00e9m\u016fm.                                                                                                                                                                                                                                                                                                                                                                                          3.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.fleuron.cz\/co-je-to-nebankovni-hypoteka\/#breadcrumbitem"}]}]